Let Astute Appraisals, Inc. take care of your appraisal needsTo many, an appraisal just looks like another fee on the settlement sheet for a home purchase or refinance. While there are a budding number of automated home valuation processes that may appear more practical than an appraisal, almost all lenders still call in a local expert because the stakes are incredibly high. Is obtaining a mortgage the only reason you should get an appraisal? Are there additional instances when the services of a licensed, independent real estate professional might be beneficial? You bet there are. 
Challenge your tax assessment in Howard CountyIf you live in an area where the property value has depreciated, it's possible you're paying too much in property taxes. An appraisal from Astute Appraisals, Inc. is your best evidence when building your case. At Astute Appraisals, Inc., we're capable of assisting you in appealing your tax assessment. Remove PMI to lower your mortgage paymentWhen the amount being loaned to the homebuyeris more than 80% of the actual value of the property, almost all lenders ask buyers to take out this extra insurance plan. That policy is Private Mortgage Insurance, or PMI. Since the added payment is usually lumped into the monthly mortgage payment, it is often forgotten. This is unfortunate because PMI becomes unnecessary when the remaining balance of the loan - whether through market appreciation or principal pay down - goes below the 80% level. In fact, the United States Congress passed a law in 1998 (the Homeowners Protection Act of 1998) that requires lenders to do away with the PMI payments when the loan-to-value ratio conditions have been met. If you'd like to do away with PMI, Astute Appraisals, Inc. can give you a statement regarding the value of your home. The expense of the appraisal can usually be regained in little time because you'll no longer be paying the PMI. Order your appraisal from Astute Appraisals, Inc. today Order onlineGet a fair valuation on a home take make a divorce settlement less stressfulA divorce can be a very horrible event for both parties, and it is often further complicated by the burdensome decision of who gets the home. Regardless of the circumstances, it's a good idea to get an appraisal from Astute Appraisals, Inc. so both parties are fully aware of the true market value of their property. If the parties need to sell the home, they'll have a clearer picture of what price to set. And on the flip side, if a "buyout" is the chosen option, both parties will feel like they've gotten a fair evaluation. Determine an accurate and fair valuation for estate liquidationThe death of a loved one is a hard time in life, and settling an estate from a death, or probate, often requires an appraisal to establish Fair Market Value for the residential property involved. We ensure the highest degree of discretion, as we're bound with confidentiality by the ethics provision within the Uniform Standards of Professional Appraisal Practice (USPAP). Most Americans do not have dedicated estate planners or executors to handle these affairs, unlike wealthier individuals. A home or other property often makes up a disproportionate share of the total estate value, so understanding the true worth of the real estate at hand is of vital importance to ensuring disputing parties walk away knowing they've received a fair deal. Move to or from Howard County through an employee relocation programWe are aware of the headaches involved with an employee relocation. That being said, we take great care in setting up a convenient appointment time for the appraisal inspection. We encourage relocating employees to provide feedback on the positive aspects of their property, as well as information regarding any current sales or listings in their area that they want considered during our thorough inspection. Sell your home promptly — for the right priceWhether you want to sell your home on your own or with the help of a real estate agent, a professional appraisal will help you make a more informed decision regarding your asking price. An appraiser has no vested interest in what amount the house sells for, unlike real estate agents. Our fees aren't a percentage of the sales price, but rather they are calculated on our efforts to complete the appraisal report. On a daily basis, we determine the difference in value items like an additional bathroom or a kitchen remodel can make. Getting a professional appraisal is a reliable way to determine what improvements will add value and what an applicable sales price is for your home so you don't come up short or have your house on the market an unnecessarily long time, because we're experts in knowing how long houses are one the market. 
|